Using Your HRA

What is an HRA?

A health reimbursement arrangement (HRA) is an employer-offered benefit that helps you pay for certain medical expenses that aren’t fully covered by your health insurance. Instead of paying your entire deductible out of pocket, your employer contributes funds to help offset those costs.

When you have an eligible medical expense, you can submit it for reimbursement using the funds your employer has set aside. These reimbursements help reduce your out-of-pocket costs as you continue to use your healthcare benefits.

This arrangement is designed to make healthcare more affordable and manageable throughout the year.

How does an HRA work?

Normally, when you receive medical care, you're responsible for paying the full cost until you reach your health plan’s deductible. With an HRA, your employer helps cover part of that cost. You pay only a portion of your expenses, and once that amount is met, your HRA begins reimbursing you for eligible costs, up to the amount your employer has provided.

How does the HRA reimburse?

Automatic Reimbursement

If your insurance provider automatically submits eligible medical expenses to Employee Benefits Corporation, you do not need to take any action. However, we recommend that you periodically review the My Account Summary in your online account and/or your EOBs to determine which expenses have been reimbursed.

Standard Reimbursement

If your HRA has a standard reimbursement process, you can submit your receipts in your online account or in our mobile app, EBCentral.